Mortgage Payoff Calculator

A mortgage calculator that shows what a home actually costs you each month — principal, interest, PMI, property tax and insurance — and then what it costs
you over the life of the loan.

Most home loan calculators stop at the monthly number. This one keeps going:
how much sooner you'd be done with an extra $200 a month, what you need to
earn to afford a given price, and where the money goes in year one versus year twenty.

WHAT YOU CAN WORK OUT
- Monthly payment — full PITI, with the escrow figures you can switch on or off
- Affordability — income and debts in, an honest price range out, using
standard 28/36 DTI guidelines
- Amortization schedule — every payment, month by month or year by year,
principal against interest
- Payoff accelerator — extra monthly payments, biweekly payments or a lump sum, against interest saved and time cut
- Closing costs and PMI — including the month mortgage insurance stops
- Loan tracking — where you stand on the mortgage you already have

QUESTIONS IT ANSWERS
- How much house can I afford on my income and debts?
- What is the real monthly payment with property tax and home insurance?
- How much sooner is it paid off with an extra $200 a month?
- What does a 15 year mortgage save against a 30 year?
- When does PMI come off my loan?
- Where does my first payment actually go?

WHO IT IS FOR
First-time home buyers working out a budget before they start looking.
Homeowners planning an early payoff or weighing a refinance offer. Anyone
comparing renting against buying. Agents and loan officers who need a straight number in front of a client.

FREE, AND STAYING FREE
The mortgage calculator, affordability, the full amortization schedule, the
payoff accelerator, closing costs and basic loan progress are free and
unlimited. They are not a trial.

PREMIUM
A subscription adds:
- Mortgage debt planner and payment ledger
- Unlimited saved scenarios, and side-by-side comparison
- Refinance break-even comparison
- Rent vs buy analysis

Monthly or yearly. Cancel any time in your Play Store account.

NO ADVERTS, ON ANY TIER
There are no adverts anywhere in this app, whether you subscribe or not.

YOUR NUMBERS STAY ON YOUR PHONE
No account. No sign-up. No analytics, no crash reporting, no advertising ID.
Your income, your debts and your loan details are written to your device and
never sent anywhere — there is no server to send them to.

Works fully offline. Every calculation runs on your phone.

Estimates use standard amortization formulas. Actual rates, taxes, insurance
and fees vary by lender and by state — confirm the figures with your lender
before you sign anything.